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KB Financial Group Inc. (105560.KS)

KRW180,000.00 -6,200.00 (-3.33%)
KR KSC Financial Services Banks - Regional
Address 26, Gukjegeumyung-ro 8-gil 7331
Seoul, KR
CEO Jong Hee Yang
Website kbfg.com
IPO 2001-12-25
ISIN KR7105560007

Explore sections of this company profile

Also trades on Korea Exchange · 105560.KS (KRW) New York Stock Exchange · KB (USD)
Description

KB Financial Group Inc., established in 2008 and headquartered in Seoul, South Korea, is a leading provider of comprehensive banking and financial services. The company caters to both individual consumers and corporate clients, operating across South Korea and internationally. Its extensive operations are segmented into Corporate Banking, Retail Banking, Securities Business, Non-life Insurance Business, Credit Card Business, Life Insurance Business, and Other Banking Services. KB Financial Group offers a wide array of financial products, including various loans and deposit accounts, tailored for large, small, and medium-sized enterprises, as well as for small and home offices, individuals, and households. Additionally, it provides investment banking and brokerage services, a full suite of life and non-life insurance products, and credit card facilities such as credit sales, cash services, and card loans. The group is also actively involved in securities and derivatives trading, funding activities, and associated support services. Furthermore, its diverse range of offerings encompasses foreign exchange transactions, financial investments, installment financing, financial leasing, real estate trust management, capital investment, receivables collection and credit investigation, software advisory and development, investment advisory, claims management, general management consulting, savings banking, and information and communication services.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
KRW180,000.00 -6,200.00 (-3.33%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.67
Float Shares
345.88M
Free Float %
97.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.60% -5.93% -6.17% -5.28% +20.67% +22.14% +44.39% +211.48% +156.12% +351.57% +215.42%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (5 ratings, all time) Hold
Price Targets & DCF
Current price
180,000.00
DCF (Unlevered) 641,035.45 +256.1%
DCF (Levered) 413,200.58 +129.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 8 0
Buy 12 -1
Hold 0 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.10
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +34.3% Q1'26: +34.1% (vs Q1'25)
  • EPS growth
    +20.4% Q1'26: +16.8% (vs Q1'25)
  • FCF margin
    Q1'26: +23.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +20.5% (vs Q1'25)
  • ROIC
    Q1'26: +3.9% (vs Q1'25)
  • Share dilution
    -0.4% Q1'26: +0.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 13.02× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.77) × ERP
WACC = 27% × Ke + 73% × Kd (10.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 642,076.91 Current price: 180,000.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
15 Rev. Ana.
18 EPS Ana.
Dec 2027
16 Rev. Ana.
18 EPS Ana.
Dec 2028
14 Rev. Ana.
9 EPS Ana.
Revenue
12.63T
est: 7.36T (+71.7%)
12.20T
est: 7.59T (+60.7%)
15.14T
est: 10.01T (+51.2%)
17.33T
est: 10.99T (+57.6%)
18.66T
est: 11.43T (+63.2%)
19.81T
est: 12.37T (+60.2%)
20.97T
est: 14.42T (+45.4%)
12.09T
est: 15.02T (-19.5%)
36.41T
est: 16.30T (+123.4%)
37.77T
est: 17.25T (+118.9%)
50.71T
est: 17.42T (+191.2%)
19.01T
18.70T – 19.65T
+9.2% YoY
19.57T
18.50T – 20.69T
+2.9% YoY
20.17T
19.45T – 21.09T
+3.1% YoY
EBITDA
2.42T
est: 1.88T (+28.8%)
2.92T
est: 1.94T (+50.4%)
4.69T
est: 2.56T (+83.2%)
4.93T
est: 2.81T (+75.3%)
5.51T
est: 2.92T (+88.6%)
5.83T
est: 3.16T (+84.4%)
7.09T
est: 3.69T (+92.3%)
6.27T
est: 3.84T (+63.5%)
6.99T
est: 4.17T (+67.7%)
7.90T
est: 4.98T (+58.7%)
9.37T
est: 5.03T (+86.4%)
5.49T
5.40T – 5.67T
+9.2% YoY
5.65T
5.34T – 5.97T
+2.9% YoY
5.82T
5.61T – 6.09T
+3.1% YoY
EBIT
2.16T
est: 1.61T (+34.4%)
2.63T
est: 1.66T (+58.1%)
4.14T
est: 2.19T (+88.8%)
4.30T
est: 2.41T (+78.8%)
4.53T
est: 2.50T (+81.2%)
4.78T
est: 2.71T (+76.5%)
6.08T
est: 3.16T (+92.6%)
5.39T
est: 3.29T (+64.1%)
6.12T
est: 3.57T (+71.5%)
6.99T
est: 4.31T (+61.9%)
8.20T
est: 4.35T (+88.2%)
4.75T
4.68T – 4.91T
+9.2% YoY
4.89T
4.63T – 5.17T
+2.9% YoY
5.04T
4.86T – 5.27T
+3.1% YoY
Net Income
1.73T
est: 1.59T (+8.6%)
2.14T
est: 2.07T (+3.6%)
3.31T
est: 3.11T (+6.3%)
3.06T
est: 3.12T (-1.8%)
3.31T
est: 3.16T (+4.8%)
3.47T
est: 3.31T (+4.9%)
4.41T
est: 4.31T (+2.4%)
4.15T
est: 4.48T (-7.2%)
4.59T
est: 4.73T (-2.8%)
5.08T
est: 5.08T (+0.0%)
5.85T
est: 5.91T (-1.1%)
6.81T
6.15T – 7.45T
+15.2% YoY
7.35T
6.15T – 8.39T
+7.9% YoY
7.92T
7.55T – 8.39T
+7.8% YoY
SGA
3.61T
est: 1.68T (+114.6%)
4.67T
est: 1.73T (+169.1%)
4.87T
est: 2.29T (+113.0%)
5.07T
est: 2.51T (+102.0%)
5.69T
est: 2.61T (+118.0%)
5.82T
est: 2.83T (+105.8%)
6.30T
est: 3.29T (+91.1%)
5.82T
est: 3.43T (+69.7%)
5.85T
est: 3.72T (+57.1%)
6.08T
est: 4.11T (+47.8%)
4.46T
est: 4.15T (+7.6%)
4.53T
4.45T – 4.68T
+9.2% YoY
4.66T
4.41T – 4.93T
+2.9% YoY
4.80T
4.63T – 5.02T
+3.1% YoY
EPS
4,396.00
est: 4,148.67 (+6.0%)
5,588.00
est: 5,395.99 (+3.6%)
8,305.00
est: 8,123.81 (+2.2%)
7,720.53
est: 8,135.28 (-5.1%)
8,450.65
est: 8,239.20 (+2.6%)
8,843.13
est: 8,625.56 (+2.5%)
11,133.00
est: 11,236.32 (-0.9%)
10,334.00
est: 11,675.39 (-11.5%)
11,483.00
est: 12,333.44 (-6.9%)
12,880.00
est: 13,289.36 (-3.1%)
15,317.00
est: 15,482.34 (-1.1%)
17,828.94
16,113.43 – 19,493.15
+15.2% YoY
19,232.89
16,089.30 – 21,969.65
+7.9% YoY
20,724.91
19,764.88 – 21,956.43
+7.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-28 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-27 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-26 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-22 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-21 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-20 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-19 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-18 B+ 3/5 5/5 4/5 3/5 1/5 3/5 3/5
2026-05-15 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-14 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-13 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-12 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-11 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-08 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-07 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-04 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-30 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-29 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-27 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-24 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-23 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-22 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-21 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-20 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-17 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-16 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-15 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
465.69B
OE per share TTM
622.76
Owner's Yield
0.82%
Maintenance CapEx ratio
24.70%
Maint CapEx / Avg PPE
15.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
58.13B
Shares Outstanding
354.69M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Bong Joong Kwon Senior MD & Head of IR Department male
Chang Kwon Lee Senior EVP, Chief Digital & IT Officer male
Cheal Soo Choi Senior EVP & Chief Risk Management Officer male
Dae Hwan Lim EVP & Chief Compliance Officer male
Hyo Sung Jeon MD & Chief Human Resources Officer male
Jae Keun Lee SEVP & Chief Business Officer of Global male
Jong Hee Yang Chief Executive Officer & Chairman male
Jong Hoon Lee Head of the Legal Affairs Unit
Kang Seung MD & Head of Secretariat male
Sang-Rok Na Senior MD & CFO male
Shindong Jeung Senior MD & Head of KB Research male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits